Download or read book Achieving a College Degree and the American Dream Debt Free written by Charles R Green M S Ed and published by . This book was released on 2020-02-05 with total page 168 pages. Available in PDF, EPUB and Kindle. Book excerpt: If you're a teacher, legislator, or parent who's encouraging students to go to college, but are concerned about today's high cost of education and how they will pay for college, look no further. The answer and methods to a debt-free college lies within this book. However, you must do your homework, take responsibility for your financial life, your actions and your future. The easy but long-term painful way is to take out loans or - even worse - charge tuition bills to a credit card. After reading this book, you'll know how to: - provide a financial education to children while they're living with you or in your class; - ensure children use student loans (if they're necessary) for the right things; - find alternatives to help students pursue a debt-free college education; - avoid predatory lending practices that endanger the future for individuals and their families. Student loans will not guarantee the American dream; in fact, they may guarantee the loss of it. Will your college graduate, former student, or constituent be left wondering, "If I'm so smart, gifted, and educated, then why am I so broke?" Whether you're a parent, educator, legislator, or college-bound student, you'll learn how college students can navigate the challenges of paying for an education with the lessons, insights, and alarming data in Charley's America. www.charleygreen.com

Download or read book How to Keep Student Loans from Threatening Your American Dream written by Charles R. Green and published by Createspace Independent Publishing Platform. This book was released on 2015-11-02 with total page 92 pages. Available in PDF, EPUB and Kindle. Book excerpt: An in-depth look at "The Good, The Bad and The Ugly" of student loans as well as positive ways to a achieve a college education without borrowing yourself into "Educated Poverty."

Download or read book The Real College Debt Crisis written by William Elliott (III) and published by Praeger. This book was released on 2015 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: "The central motivation for this book is imagining an alternative to the student loan program that better aligns with America's belief that effort and ability should be the deciding factors in determining economic differences. It positions postsecondary education properly as the central lever by which American children can secure for themselves promising futures, and it supports analysis of the extent to which current policy interventions facilitate these mechanisms, or not"--

Download or read book The Student Loan Mess written by Joel Best and published by Univ of California Press. This book was released on 2014-05-02 with total page 246 pages. Available in PDF, EPUB and Kindle. Book excerpt: This illuminating investigation uncovers the full dimensions of the student loan disaster. A father and son team—one a best-selling sociologist, the other a former banker and current quantitative researcher—probes how we’ve reached the point at which student loan debt—now exceeding $1 trillion and predicted to reach $2 trillion by 2020—threatens to become the sequel to the mortgage meltdown. In spite of their good intentions, Americans have allowed concerns about deadbeat students, crushing debt, exploitative for-profit colleges, and changing attitudes about the purpose of college education to blind them to a growing crisis. With college costs climbing faster than the cost of living, how can access to higher education remain a central part of the American dream? With more than half of college students carrying an average debt of $27,000 at graduation, what are the prospects for young adults in the current economy? Examining how we’ve arrived at and how we might extricate ourselves from this grave social problem, The Student Loan Mess is a must-read for everyone concerned about the future of American education. Hard facts about the student loan crisis: • Student loan debt is rising by more than $100 billion every year. • Among recent college students who are supposed to be repaying their loans, more than a third are delinquent. • Because student loans cannot be discharged through bankruptcy, the federal government misleadingly treats student loan debt as a government asset. • Higher default rates, spiraling college costs, and proposals for more generous terms for student borrowers make it increasingly likely that student loan policies will eventually cost taxpayers hundreds of billions of dollars.

Download or read book Generation Debt and the American Dream written by Justin R. La Mort and published by . This book was released on 2010 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: President Obama was able to pay off his student loans only after authoring two bestselling books and becoming a prominent figure on the national political scene. This is not a strategy that can be easily replicated by the rest of us. As our tax dollars are being spent to bailout AIG and GM we have ignored helping those who are drowning in student debt. We can either rearrange the deck chairs as the band plays on or we can seize this unique opportunity in time to provide a life preserver to some of our country's best and brightest. The American dream is predicated that through education and hard work one can accomplish anything. Sadly, my generation will be less educated and in greater debt than the generation of my parents. Never before has having a college degree meant so much in competing in the global marketplace yet never before has the financial barriers been so great to earning that degree. This paradox must be resolved if our students and our country are to reach their full potential. The present system restricts innovation among the entrepreneurs, inventors, and artists who can no longer risk taking a chance when facing five to six figures of debt. Our society loses the talent of those unable to afford a career in public service. These effects are especially true for the middle and working class who we most want to break from the cycle of poverty but whose best route is by entering modern day indentured servitude. We must change the way we pay for higher education if the United States is to uphold its promise. This article will detail the pervasive effects of the student loan problem in America and will examine pragmatic solutions such as ending the Federal Family Education Loans (FFEL) program, removing unwarranted bankruptcy protection of student loans, and enacting loan forgiveness programs to reverse the receding economic tides. The effects of these policies would stimulate the economy, create an environment conducive to innovation, and move our society closer to its meritocratic ideals.

Download or read book The Real College Debt Crisis written by William Elliott III and published by Bloomsbury Publishing USA. This book was released on 2015-07-14 with total page 232 pages. Available in PDF, EPUB and Kindle. Book excerpt: Is it still worth it for low-income students to attend college, given the debt incurred? This book provides a new framework for evaluating the financial aid system in America, positing that aid must not only allow access to higher education, but also help students succeed in college and facilitate their financial health post-college. Higher education plays a critical role in the economy and society of the United States, creating a ladder of economic opportunity for American children, especially for those in poverty. Unfortunately, higher education today increasingly reinforces patterns of relative privilege, particularly as students without the benefit of affluent parents rely more and more on student loans to finance college access. This book presents penetrating new information about the fiscal realities of the current debt-based college loan system and raises tough questions about the extent to which student loans can be a viable way to facilitate equitable access to higher education. The book opens with relevant parts of the life stories of two students—one who grew up poor and had to take on high amounts of student debt, and another whose family could offer financial help at critical times. These real-life examples provide invaluable insight into the student debt problem and help make the complex data more understandable. A wide range of readers—from scholars of poverty, social policy, and educational equality to policymakers to practitioners in the fields of student financial aid and financial planning—will find the information in this text invaluable.

Download or read book Student Loan Debt written by Keith Greiner and published by . This book was released on 2007 with total page 29 pages. Available in PDF, EPUB and Kindle. Book excerpt: In recent years, there has been a growing interest in college access and with it, a growing concern about the debt incurred by students. Analysts on all sides suggest a variety of causes and solutions to this very complex problem. This paper presents a collection of informational items that can be seen as both disparate and connected. We can see that the attainment of a college degree is a fundamental part of our culture, as is debt. Federal student loan policies seem to favor the use of student loan debt to finance college during a time when family savings rates were at the lowest level since 1933 and bankruptcies increased. At the same time, student loan defaults seemingly declined, although much of the decline can be attributed to policies not directly related to changes in consumer behavior. The report highlights the following topics: (1) College as part of the American Dream, (2) Historical changes in Federal appropriations directed to higher education, (3) National economic trends associated with college financing, (4) What college students perceive about borrowing, (5) References. (Contains 2 tables and 14 figures.).

Download or read book Educating Public Interest Professionals and the Student Loan Debt Crisis written by Robert Leslie Fisher and published by Rowman & Littlefield. This book was released on 2021-11-08 with total page 283 pages. Available in PDF, EPUB and Kindle. Book excerpt: In Educating Public Interest Professionals and the Student Loan Debt Crisis, Robert Leslie Fisher examines the student loan debt crisis and its effects on America’s citizens and economies. Exploring the shortage of professionals in fields such as education, medicine, and law, Fisher analyzes the causes and effects of the student loan debt crisis in America and argues for higher wages, student loan debt forgiveness, and an updated financial model to pay for training for public interest professionals. Supported by economic research and a sociological background, Fisher proposes a path forward that will ease the student loan debt crisis and revitalize the economy.

Download or read book Student Debt written by William Elliott III and published by Bloomsbury Publishing USA. This book was released on 2017-01-26 with total page 190 pages. Available in PDF, EPUB and Kindle. Book excerpt: Offering answers to essential questions about student debt and many connected issues, this book examines student debt in the United States at every stage of the process-from the banks that issue the loans to the colleges and universities that collect the payments. Student lending in the United States is one of the most controversial issues in contemporary American discourse. Are these loans the only option for Americans who want to attend college and university in order to attain the best careers and have a productive, enjoyable life? Should the predatory lending practices of for-profit colleges and universities be stopped? How can limits be imposed on student lending amounts without preventing students from getting the education they need to succeed? The book explains why so many students are borrowing large amounts of money to attend college; considers whether the cost of higher education is simply too high, and if there should be a cap on how much money students can borrow; explains what is contributing to the rising rate of borrowers defaulting on their loans; and predicts whether the so-called student loan bubble is in danger of popping. The Data and Documents chapter analyzes data gathered from discussions about student debt. This information enables readers to better understand who is borrowing student loans, what the money from the student loans is going toward, what individuals have the authority to decide who qualifies for these loans, and what is being done to curb wasteful student spending.

Download or read book Sold My Soul for a Student Loan written by Daniel T. Kirsch and published by Bloomsbury Publishing USA. This book was released on 2019-04-10 with total page 231 pages. Available in PDF, EPUB and Kindle. Book excerpt: With unprecedented student debt keeping an entire generation from realizing the "American Dream," this book sounds a warning about how that debt may undermine both higher education—and our democracy. American higher education boasts one of the most impressive legacies in the world, but the price of admission for many is now endless debt. As this book shows, increasing educational indebtedness undermines the real value of higher education in our democracy. To help readers understand this dilemma, the book examines how student debt became commonplace and what the long-term effects of such an ongoing reality might be. Sold My Soul for a Student Loan examines this vitally important issue from an unprecedented diversity of perspectives, focusing on the fact that student debt is hindering the ability of millions of people to enter the job market, the housing market, the consumer economy, and the political process. Among other topics, the book covers the history of consumer debt in the United States, the history of federal policy toward higher education, and political action in response to the issue of student debt. Perhaps most importantly, it explores the new relationship debtor-citizens have to the government as a result of debt, and how that impacts democracy for a new generation.

Download or read book The Routledge Handbook on the American Dream written by Robert C. Hauhart and published by Routledge. This book was released on 2021-07-29 with total page 370 pages. Available in PDF, EPUB and Kindle. Book excerpt: What do we mean by the American dream? Can we define it? Or does any discussion of the phrase end inconclusively, the solid turned liquid—like ice melting? Do we know whether the American dream motivates and inspires or, alternately, obscures and deceives? The Routledge Handbook on the American Dream offers distinctive, authoritative, original essays by well-known scholars that address the social, economic, historical, philosophic, legal, and cultural dimensions of the American dream for the twenty-first century. The American dream, first discussed and defined in print by James Truslow Adams’s The Epic of America (1931), has become nearly synonymous with being American. Adams’s definition, although known to scholars, is often lost in our ubiquitous use of the term. When used today, the iconic phrase seems to encapsulate every fashion, fad, trend, association, or image the user identifies with the United States or American life. The American dream’s ubiquity, though, argues eloquently for a deeper understanding of its heritage, its implications, and its impact—to be found in this first research handbook ever published on the topic.

Download or read book The College Affordability Crisis written by Laurie Collier Hillstrom and published by Bloomsbury Publishing USA. This book was released on 2020-11-06 with total page 179 pages. Available in PDF, EPUB and Kindle. Book excerpt: This volume provides a comprehensive and evenhanded overview of the escalating college affordability crisis in the United States. It explains how higher education became so expensive and explores the implications of high college loan debt for students and American society. The 21st Century Turning Point series is a one-stop resource for understanding the people and events changing America today. Each volume provides readers with a clear, authoritative, and unbiased understanding of a single issue or event that is driving national debate about our country's leaders, institutions, values, and priorities. This particular volume is devoted to the issue of the rising cost of higher education in the United States. The expense of pursuing a college degree has become so high for so many students, in fact, that the country is experiencing what many educators, economists, parents, and students describe as a college affordability crisis. This work provides an accessible, accurate account of the factors driving this trend, including dramatic reductions in higher education spending by states; for-profit colleges; predatory, unscrupulous, and lightly regulated student loan service companies; and spiraling spending by colleges and universities competing to attract students.

Download or read book The College Solution written by Lynn O'Shaughnessy and published by FT Press. This book was released on 2008-06-06 with total page 305 pages. Available in PDF, EPUB and Kindle. Book excerpt: “The College Solution helps readers look beyond over-hyped admission rankings to discover schools that offer a quality education at affordable prices. Taking the guesswork out of saving and finding money for college, this is a practical and insightful must-have guide for every parent!” —Jaye J. Fenderson, Seventeen’s College Columnist and Author, Seventeen’s Guide to Getting into College “This book is a must read in an era of rising tuition and falling admission rates. O’Shaughnessy offers good advice with blessed clarity and brevity.” —Jay Mathews, Washington Post Education Writer and Columnist “I would recommend any parent of a college-bound student read The College Solution.” —Kal Chany, Author, The Princeton Review’s Paying for College Without Going Broke “The College Solution goes beyond other guidebooks in providing an abundance of information about how to afford college, in addition to how to approach the selection process by putting the student first.” —Martha “Marty” O’Connell, Executive Director, Colleges That Change Lives “Lynn O’Shaughnessy always focuses on what’s in the consumer’s best interest, telling families how to save money and avoid making costly mistakes.” —Mark Kantrowitz, Publisher, FinAid.org and Author, FastWeb College Gold “An antidote to the hype and hysteria about getting in and paying for college! O’Shaughnessy has produced an excellent overview that demystifies the college planning process for students and families.” —Barmak Nassirian, American Association of Collegiate Registrars and Admissions Officers For millions of families, the college planning experience has become extremely stressful. And, unless your child is an elite student in the academic top 1%, most books on the subject won’t help you. Now, however, there’s a college guide for everyone. In The College Solution, top personal finance journalist Lynn O’Shaughnessy presents an easy-to-use roadmap to finding the right college program (not just the most hyped) and dramatically reducing the cost of college, too. Forget the rankings! Discover what really matters: the quality and value of the programs your child wants and deserves. O’Shaughnessy uncovers “industry secrets” on how colleges actually parcel out financial aid—and how even “average” students can maximize their share. Learn how to send your kids to expensive private schools for virtually the cost of an in-state public college...and how promising students can pay significantly less than the “sticker price” even at the best state universities. No other book offers this much practical guidance on choosing a college...and no other book will save you as much money! • Secrets your school’s guidance counselor doesn’t know yet The surprising ways colleges have changed how they do business • Get every dime of financial aid that’s out there for you Be a “fly on the wall” inside the college financial aid office • U.S. News & World Report: clueless about your child Beyond one-size-fits-all rankings: finding the right program for your teenager • The best bargains in higher education Overlooked academic choices that just might be perfect for you

Download or read book Requiem for the American Dream written by Noam Chomsky and published by Seven Stories Press. This book was released on 2017-03-28 with total page 170 pages. Available in PDF, EPUB and Kindle. Book excerpt: A NEW YORK TIMES BESTSELLER! In his first major book on the subject of income inequality, Noam Chomsky skewers the fundamental tenets of neoliberalism and casts a clear, cold, patient eye on the economic facts of life. What are the ten principles of concentration of wealth and power at work in America today? They're simple enough: reduce democracy, shape ideology, redesign the economy, shift the burden onto the poor and middle classes, attack the solidarity of the people, let special interests run the regulators, engineer election results, use fear and the power of the state to keep the rabble in line, manufacture consent, marginalize the population. In Requiem for the American Dream, Chomsky devotes a chapter to each of these ten principles, and adds readings from some of the core texts that have influenced his thinking to bolster his argument. To create Requiem for the American Dream, Chomsky and his editors, the filmmakers Peter Hutchison, Kelly Nyks, and Jared P. Scott, spent countless hours together over the course of five years, from 2011 to 2016. After the release of the film version, Chomsky and the editors returned to the many hours of tape and transcript and created a document that included three times as much text as was used in the film. The book that has resulted is nonetheless arguably the most succinct and tightly woven of Chomsky's long career, a beautiful vessel--including old-fashioned ligatures in the typeface--in which to carry Chomsky's bold and uncompromising vision, his perspective on the economic reality and its impact on our political and moral well-being as a nation. "During the Great Depression, which I'm old enough to remember, it was bad–much worse subjectively than today. But there was a sense that we'll get out of this somehow, an expectation that things were going to get better . . ." —from Requiem for the American Dream

Download or read book Sold My Soul for a Student Loan written by Daniel T. Kirsch and published by . This book was released on with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: With unprecedented student debt keeping an entire generation from realizing the "American Dream," this book sounds a warning about how that debt may undermine both higher education--and our democracy. American higher education boasts one of the most impressive legacies in the world, but the price of admission for many is now endless debt. As this book shows, increasing educational indebtedness undermines the real value of higher education in our democracy. To help readers understand this dilemma, the book examines how student debt became commonplace and what the long-term effects of such an ongoing reality might be. Sold My Soul for a Student Loan examines this vitally important issue from an unprecedented diversity of perspectives, focusing on the fact that student debt is hindering the ability of millions of people to enter the job market, the housing market, the consumer economy, and the political process. Among other topics, the book covers the history of consumer debt in the United States, the history of federal policy toward higher education, and political action in response to the issue of student debt. Perhaps most importantly, it explores the new relationship debtor-citizens have to the government as a result of debt, and how that impacts democracy for a new generation.

Download or read book School Libraries in a Time of Change written by Kathleen W. Craver and published by Bloomsbury Publishing USA. This book was released on 2019-08-01 with total page 260 pages. Available in PDF, EPUB and Kindle. Book excerpt: By becoming practical futurists, school librarians can help their libraries not only to survive sweeping changes in education but to thrive. This book shows how to spot technological trends and use them to your library's advantage. During this time of rapid modernization of technology and educational reform, this book is a must-read for school librarians tasked with ensuring their libraries meet evolving standards. This title provides the research and organizational techniques and skills they need to gain seats at the table of the three power committees: technology, curricula, and strategic planning. School librarians need to collect and publicize national and local school-based evidence that shows the positive correlations between school librarians and student achievement. Craver notes correlative sources and provides ideas to employ them to ensure that school librarians remain indispensable. In addition, acquiring technological skills and becoming expert at their application are paramount for librarians. Even more important is the need for librarians to assume sole responsibility for designing and integrating information literacy and critical thinking skills throughout the curriculum. Craver analyzes studies that show students' inability to discern fact from fiction, ads from news, and information bias in electronic information sources and recommends six actions that school librarians take to ensure that they become active participants in their future rather than its victims.

Download or read book Weekly Compilation of Presidential Documents written by and published by . This book was released on 1995 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt: